The adoption of e-banking: An application of theories and models for technologies acceptance

摘要

E-banking services have gained the attention of a major part of the traditional banking customer services because of the great importance of the financial activities within the daily life. This should be a plus for the bank, but this hypothesis is not confirmed by the real life. The paper identifies the factors that influence the customers' intention to use the electronic version for banking services. The user acceptance of Internet as new technologies that transform some traditional services and activities is a topic of interest for many professionals and researchers working in various domains. This paper presents the main theories employed in assessing the technology acceptance (theory of reasoned action, theory of planned behavior) as well as the technology acceptance models that have been developed on the basis of these theories. The focus of the paper is on the model development and, implicitly, on the hypotheses that have to be tested in order to validate a model for the Internet acceptance in traditional banking services, based both on the content of the main theories employed in assessing the technology acceptance as Information Diffusion Theory, Decomposed Theory of Planned Behavior, trust and security and on other factors revealed by empirical studies.